University of Michigan Retirement Plan Information

401(a) Basic Retirement Plan​

403(b) Base Plan

403(b) Supplemental Retirement Plan

457(b) Deferred Compensation Plan

The University of Michigan Retirement Plan system is a model plan for retirement savers.


You may be familiar with some of the below features of your retirement plan, however, we have found that most eligible employees may not know all of the benefits available to them:


  • Fantastic Match. The university provides a 2:1 match on the first 4.5 or 5% of 403(b) contributions.

  • Ability to save to multiple plans. Participants can save beyond the normal retirement plan to the 457(b) plan, as well as to multiple providers in TIAA and Fidelity.

  • Thousands of Investment Options. In addition to the options available in the normal plan, you also have access to a self-directed brokerage account option which expands upon the traditional list of funds.

  • Work with an Independent Advisor. Both the Fidelity and TIAA plans allow for participants to work directly with independent financial advisors. Clear Financial Advisors can assist in designing and implementing a plan.


As a Fee-Only fiduciary, Clear Financial Advisors can help you maximize your retirement options, as well as plan for the other goals you have.

About Clear Financial Advisors

Clear Financial Advisors is an independent, fee-only registered investment advisor and fiduciary offering services directly to employees of the University of Michigan. Clear Financial Advisors is not affiliated with the University of Michigan, Fidelity Investments, or TIAA. 

UofM Benefit Links

Our Services

  • Fee-Only Financial Planning, Retirement Planning, and Wealth Management Services

  • Tax Planning and Preparation

  • Holistic Investment Management, including UofM 403(b), 401(a), and 457(b) Plans

How We Help Clients

Fee-Only, Fiduciary Advice

As an independent fiduciary we work only on our clients’ behalf. Clear Financial Advisors is a nationally recognized expert in financial planning, retirement strategies, and investing.

Holistic Wealth Management

Wealth management is about more than managing investments. We work with clients to protect our plans against risk, and minimize the impact of taxes, both today and in the future.

Evidence-Based Investing

Like the university you work for, everything we do is based upon the scientific method and evidence. Our plans seek to maximize return for a desired amount of risk. We diversify broadly into an investment plan for any economy.

How can we help you?

Schedule a Call or Meeting...

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Clear Financial Advisors (CFA) is a Fee-Only Detroit and Ann Arbor fiduciary financial and investment advisor with meeting locations in Ann Arbor / Whitmore Lake, Livonia, Novi, Bloomfield Hills, Troy, Royal Oak, and Franklin / Southfield / Bingham Farms, and serving clients nationally online.


Newsletter members receive:

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       Investing ebook

       Monthly email newsletter


Phone  248.677.1762


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